Services

The lending industry is very complicated as of know and programs and guidelines can change daily. We will never leave you in the dark on your mortgage, or short sale. We will take you through the steps with constant follow-up and keep you aware of the status of your loan so you know where you stand long before you close. We are here to help you take that next step toward improving your circumstances and improving your life. Whether it is a new home, the start of a new business or climbing out of credit-card debit, our goal is to help you make it happen.

We have spent years building trust among our customers and are pleased to say our rate-of-return is high. Our clients come back because they know they have been treated honestly and fairly with speed and accuracy even in ever-changing markets.

REVERSE MORTGAGES - A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence. FHA's HECM provides these benefits. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing. This program is truly unique and could possibly help you save your home. Call us today to learn more!

SHORT SALES – We make the unfortunate process of short selling your home as smooth as possible. We have many transactions that have taken 30 days instead of waiting months on end. We have experience on effectively presenting the property and the offer to the banks so all parties are encouraged to process the sale promptly. For more information or to sign up, please visit our Short Sale Management website.

PURCHASES – Now is an incredible time to purchase a property and be able to own the home you want affordably.

REFINANCES – If you do have equity in your home, now is a great time to look into refinancing your arm or interest only product into a low fixed mortgage.

Loan Factors

•       Credit score/credit history


•       Employment status


•       Income


•       Debt income ratio


•       Is there a down payment?


•       Prior ownership or rental experience


•       What loan programs do I fit into and which one is right for me?

Here is everything you need to know and bring along for your visit with one of our Creative Loan Specialist. We generally begin with an interview in which we discuss your loan options. You should bring any information that might verify your income and long-term debt.

If you are in the market for a new home, it is okay to start the loan process before you go house-hunting in order to get an idea what amount you might qualify for. It is called “Pre-qualification” and it can save you a lot of time and make sure the offer that you put in is considered!

Here is what to bring on your first visit or first phone conversation to save time:

•       Two most recent pay stubs and W2’s or tax returns for the last two years.


•       Full bank statements for the past 2 months.


•       Any other pertinent information including bankruptcy discharges or divorce settlements, etc.

New Stimulus Program

105% financing is part of the stimulus program. Please contact us to see if you qualify.

Fixed-rate Mortgages

Monthly interest and principal payments never change, making this one of the most popular mortgage options.

FHA Mortgages

For use of purchase for primary residences only. FHA requires a minimum investment of 3.5% of your purchase price. This can be provided by the purchaser or a gift from a family member or employer. For refinances, we have the ability to go up to 97.75% of the current market value.

VA Mortgages

Must be a veteran or current active duty with a branch of the military to obtain special loan programs such as 100% financing and also no mortgage insurance.

Reverse Mortgages

A special type of loan made to homeowners over 62 to enable them to convert the equity in their home to cash in order to finance other needs.

Jumbo Loans

Typically fall outside the guidelines for a conforming loan, as the amount is often higher than the average loan. The current loan size is $417,000 or higher, but the amount increases periodically.

Second-mortgage Loans

There are two types:

Equity line – An equity line is a line of credit secured as a second lien on your property. The interest rate is not fixed and floats with the rate of prime. Think of it as a very inexpensive credit card. You only pay interest on the amount you have out. In order to pay the balance down, you would have to apply additional monies in your payment.

Fixed-Rate Second – This is a second lien against your property. It is a loan similar to a 30-year fixed mortgage. Every month, you will be paying down your principal balance along with the interest to borrow the money. Once you pay the money back, you cannot draw it out again.

Hard Money

Loans for challenging circumstances in a borrower’s situation. You might have to obtain one of these loans if your credit score is outside normal lending guidelines, you might have a good credit score but do not have any proof of rental history or enough credit trade lines established, you have judgments or collections you wish to not pay off.

Interest Rate Buydown

The buyer would pay points above current market costs in order to pay a below market interest rate.